Chief Minister Neiphiu Rio launches Chief Minister’s Universal Life Insurance Scheme (CMLIS) during 78th Independence Day celebrations

Chief Minister Neiphiu Rio launched the Chief Minister’s Universal Life Insurance Scheme (CMLIS) during the 78th Independence Day celebrations at Civil Secretariat Plaza, Kohima.

The CMLIS is designed to provide financial security and peace of mind to families across Nagaland through free life and accidental insurance coverage. The enrolment drive for CMLIS will commence on 15th August 2024 and run for one month. Eligible families are urged to verify their details on the CMLIS portal, https://cmlis.nagaland.gov.in, on or before 5th September 2024. Families not covered under the Chief Minister’s Health Insurance Scheme (CMHIS) are encouraged to register through the Nagaland State Rural Livelihoods Mission (NSRLM) in rural areas or through the Deputy Commissioner, Additional Deputy Commissioner, Sub-Divisional Officer, or Extra Assistant Commissioner offices in urban areas before 15th September 2024.

Key Features of CMLIS:

• Life Insurance Coverage: Rs. 2 lakh in the unfortunate event of the primary breadwinner’s demise.
• Accidental Insurance Coverage: Rs. 2 lakh each for the primary breadwinner and up to three family members in case of accidental death or disability.

Eligibility Criteria:

• Open to all households/families within Nagaland who are indigenous inhabitants and/or permanent residents.
• All Government Servants of the State, including work-charged and casual employees.
• Accredited journalists working in Nagaland.
• Age Limit: Open to individuals aged 18-50 years for general category households and 18-60 years for government servants.
• Breadwinner Designation: The head of the family as per the CMHIS card is the default breadwinner. Families not covered under CMHIS (Government Servants) can designate a different breadwinner.

Verification Process for CMHIS Beneficiaries and Government Servants: Beneficiaries of CMHIS and government servants must verify or modify their family details through the CMLIS portal on or before 5th September 2024. The portal allows families to:

1. Perform self-verification using the CMHIS registered mobile number.
2. Confirm or change the designated breadwinner.
3. Update accidental insurance coverage for family members.
4. Modify the nominee for insurance claims.

Registration Process for Other Beneficiaries:

• For Rural Areas: Approach your NSRLM representative; enrolment will be done by the NSRLM representative at the village level. No physical application is needed.
• For Urban Areas: Physical application forms must be signed by the DC/ADC/SDO/EAC of the respective area. Beneficiaries may log in to the portal to apply online with the signed form or seek assistance from the administration for portal application.

Special Provisions for Government Servants: Government servants are automatically designated as the head of the family and the breadwinner for life insurance purposes. The age limit for life insurance coverage for government servants is extended to 60 years. Government servant-headed households will not have this option. If more than one government servant is in a family, all such members can be designated as breadwinners.

Bank Account Assistance: Families needing assistance with opening bank accounts for claim processing and additional insurance coverage can indicate their needs through the CMLIS portal.

The CMLIS program is committed to providing a seamless claims process with no charges or fees, ensuring the financial security and welfare of all Indigenous Inhabitants and Permanent Residents of Nagaland. Rural households can approach NSRLM directly for insurance coverage, which is facilitated online. Urban households must get their verification forms approved by the DC/ADC/SDO/EAC offices. These forms are available free of charge at the respective offices, and no processing fees or charges are required for enrolment or application processing.

For further information or support, please contact the designated helpline number, the NSRLM representative in your village, or the administrative officers in urban areas.